For the quarter ended June 2025, Zions (ZION Quick QuoteZION - Free Report) reported revenue of $851 million, up 8.1% over the same period last year. EPS came in at $1.58, compared to $1.21 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $815.47 million, representing a surprise of +4.36%. The company delivered an EPS surprise of +20.61%, with the consensus EPS estimate being $1.31.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Zions performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin: 3.2% compared to the 3.1% average estimate based on seven analysts.
• Net charge-offs to average loans and leases: 0.1% versus 0.1% estimated by seven analysts on average.
• Average balance - Total interest-earning assets: $83.57 billion versus $82.57 billion estimated by six analysts on average.
• Efficiency Ratio: 62.2% versus 64.4% estimated by six analysts on average.
• Total nonaccrual Loan: $308 million versus $307.16 million estimated by four analysts on average.
• Total nonperforming assets: $313 million compared to the $310.07 million average estimate based on four analysts.
• Tier 1 leverage ratio: 8.5% versus 8.8% estimated by three analysts on average.
• Tier 1 risk-based capital ratio: 11.1% versus 11.4% estimated by three analysts on average.
• Total risk-based capital ratio: 13.4% versus 13.5% estimated by three analysts on average.
• Total Noninterest Income: $190 million versus $168.11 million estimated by seven analysts on average.
• Dividends and other income (loss): $12 million compared to the $8.27 million average estimate based on six analysts.
• Taxable-equivalent net interest income: $661 million compared to the $647.8 million average estimate based on six analysts.

View all Key Company Metrics for Zions here>>>

Shares of Zions have returned +16.9% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.